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Households' response to the wealth effects of inflation

Schnorpfeil, Philip; Weber, Michael; Hackethal, Andreas - 2024

We study the redistributive effects of surprise inflation combining administrative bank data with an information provision experiment during an episode of historic inflation. On average, households are well-informed about prevailing inflation and are concerned about its impact on their wealth;...

Persistent link: https://www.econbiz.de/10014490357

Liquidity constraints and demand for maturity the case of mortgages

Ferrari, Alessandro; Loseto, Marco - 2023

Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand elasticities to maturity and interest rate. We find that households are responsive to both contract terms: a 1% decrease in interest rate increases the average loan size by 0.22%...

Persistent link: https://www.econbiz.de/10014478506

Household portfolios in Türkiye : results from the household finance and consumption survey

Ceritoǧlu, Evren; Cilasun, Seyit Mümin; … - In: Central Bank review / Central Bank of the Republic of Turkey 23 (2023) 4, pp. 1-17

Republic of Türkiye - Household Finance and Consumption Survey. The empirical analysis concentrates on the motives behind …This paper analyzes the distribution of household portfolios in Türkiye using a fresh data set, the Central Bank of the … household saving preferences and the distribution of household portfolios. Moreover, the financial situation of households in …

Persistent link: https://www.econbiz.de/10014479723

Households' Response to the Wealth Effects of Inflation

Schnorpfeil, Philip; Weber, Michael; Hackethal, Andreas - National Bureau of Economic Research - 2023

We study the redistributive effects of inflation combining administrative bank data with an information provision experiment during an episode of historic inflation. On average, households are well-informed about prevailing inflation and are concerned about its impact on their wealth; yet, while...

Persistent link: https://www.econbiz.de/10014372429

The impact of income inequality on household indebtedness in euro area countries

Jestl, Stefan - In: European journal of economics and economic policies : … 20 (2023) 2, pp. 151-182

wave of the Eurosystem Household Finance and Consumption Survey data, the analysis sheds light on heterogeneous effects …This paper explores the impact of income inequality on household indebtedness at the household level. Using the first …

Persistent link: https://www.econbiz.de/10014433722

Family Finances and Debt Overhang : Evolving Consumption Patterns of Spanish Households

Sala, Hector; Trivín, Pedro - 2022

This paper studies the direct impact of households' debt on consumption over the business cycle. We use household …

Persistent link: https://www.econbiz.de/10013406441

Which Households Think They Save?

Yuh, Yoonkyung; Hanna, Sherman D. - 2017

We examine household saving in the context of a prescriptive model. Using Survey of Consumer Finances data sets in the …

Persistent link: https://www.econbiz.de/10014209816

Do U.S. Households Perceive Their Retirement Preparedness Realistically?

Kim, Kyoung Tae - 2015

This study examines the divergence between objective and subjective assessment of retirement adequacy, analyzing U.S. households with a full-time worker age 35 to 60 in the 2010 Survey of Consumer Finances. Of those households, 58% have objective inadequacy, and 54% have subjective inadequacy,...

Persistent link: https://www.econbiz.de/10013028114

A Study on Mortgage Loan Borrowing Behavior of Korean Households : A Micro Perspective

Kim, Yong Sun - 2015

This paper examines Korean household's borrowing behavior and the causes of default using granular data. It tries to … borrowing turns out to be very effective in reducing the amount of loans and household's leverage (loan-to-income ratio or loan … size and its delinquency. A rise in housing prices drives up borrowings due to household's affirmative attitude. Conversely …

Persistent link: https://www.econbiz.de/10013029823

The Effect of Declining House Prices on Household Savings. A Theoretical and Empirical Study of the Dutch Case

Andreu, Eduard Suari - 2015

becomes stronger as the age of the household increases. To test these hypotheses I use panel data from the Dutch Central Bank … Household Survey (DHS) for the period between 2003 and 2013. The results of the econometric analysis show a negative and …

Persistent link: https://www.econbiz.de/10013030100